COFS (ChoiceOne Financial Services) Scaled Net Operating Assets: 0.01 (As of Mar. 2026)


COFS ChoiceOne Financial Services Inc COFS
62 GF Score
Price $32.75
GF Value $29.24
Valuation Modestly Overvalued
! 4 Warning Signs
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What is ChoiceOne Financial Services Scaled Net Operating Assets?

ChoiceOne Financial Services COFS +0.15% 62 Scaled Net Operating Assets is 0.01 as of Mar. 2026. GuruFocus rates COFS with a GF Score™ of 62/100 and a GF Value™ of $29.24 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

ChoiceOne Financial Services's operating assets for the quarter that ended in Mar. 2026 was $3,736.8 Mil. ChoiceOne Financial Services's operating liabilities for the quarter that ended in Mar. 2026 was $3,691.0 Mil. ChoiceOne Financial Services's Total Assets for the quarter that ended in Dec. 2025 was $4,410.6 Mil. Therefore, ChoiceOne Financial Services's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.01.

COFS
62GF Score
ChoiceOne Financial Services Inc COFS
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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ChoiceOne Financial Services Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

ChoiceOne Financial Services's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(4322.563-3631.738)/2723.243
=0.25

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4410.551 - 87.988
=4322.563

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3945.198 - 68.46 - 245
=3631.738

ChoiceOne Financial Services's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(3736.816-3691.012)/4410.551
=0.01

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4394.565 - 657.749
=3736.816

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3924.564 - 48.552 - 185
=3691.012

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

What does a Scaled Net Operating Assets of 0.01 mean?
ChoiceOne Financial Services (COFS) has a Scaled Net Operating Assets of 0.01 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on ChoiceOne Financial Services and its competitors.
Is ChoiceOne Financial Services' Scaled Net Operating Assets too high?
ChoiceOne Financial Services' current Scaled Net Operating Assets is 0.01. Overall, ChoiceOne Financial Services has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ChoiceOne Financial Services' Scaled Net Operating Assets compare to FFMR and FBIZ?
ChoiceOne Financial Services' Scaled Net Operating Assets of 0.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on ChoiceOne Financial Services and its competitors. ChoiceOne Financial Services's current Scaled Net Operating Assets is 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ChoiceOne Financial Services stock overvalued right now?
Based on GuruFocus' analysis, ChoiceOne Financial Services (COFS) is currently considered Modestly Overvalued. The stock's GF Value™ is $29.24, compared to a current price of $32.75 — trading 12% above its estimated fair value. The current Scaled Net Operating Assets is 0.01. ChoiceOne Financial Services' overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current Scaled Net Operating Assets is 0.01 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is ChoiceOne Financial Services (COFS) Overvalued in 2026?

Based on GuruFocus' analysis, ChoiceOne Financial Services stock appears to be overvalued. The current stock price of $32.75 is trading 12% above its estimated GF Value™ of $29.24. GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.

Key valuation signals for COFS:

  • Scaled Net Operating Assets: 0.01
  • GF Value™: $29.24 vs. price of $32.75 (12% above fair value)
  • GF Score™: 62/100 with 4 warning signs

No single metric tells the full story. See the COFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

ChoiceOne Financial Services Business Description

Address 109 East Division Street, Sparta, MI, USA, 49345
ChoiceOne Financial Services Inc is a full-service banking institution. It is engaged in the business of providing personal and business banking solutions, borrowing solutions, and treasury notes and bonds services. The bank's product and services portfolio consist of time, savings and demand deposits, safe deposit services, automated transaction machine services, commercial and consumer loans, commercial lending to business, industry, agricultural, construction, inventory, and real estate categories. Its primary market area is Kent, Muskegon, Newaygo, and Ottawa counties in western Michigan, and Lapeer, Macomb, and St. Clair counties in southeastern Michigan in the communities where the Bank's respective offices are located.
62GF Score

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$32.75
Price
$29.24
GF Value